Safe Rate Rankings

Best Conventional Mortgage Lenders in Medford

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders34

Total Loans1,938

Median Rate Spread0.26%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ROGUE CREDIT UNIONCredit Union	Exceptional	Strong	Strong	Exceptional	Exceptional	$1,747Fees	0.221%Below	233
2	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$1,179Fees	0.098%Above	37
3	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$3,872Fees	0.175%Above	195
4	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Strong	$4,486Fees	0.453%Above	42
5	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$4,980Fees	0.325%Above	212
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$3,523Fees	0.176%Above	139
7	Nations Lending CorporationIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Strong	$2,593Fees	0.139%Above	88
8	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$3,690Fees	0.347%Above	35
9	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$3,774Fees	0.264%Above	25
10	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$5,931Fees	0.436%Above	111
11	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,973Fees	0.483%Above	108
12	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,928Fees	0.411%Above	71
13	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,298Fees	0.178%Above	35
14	MORTGAGE EXPRESS, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$4,424Fees	0.360%Above	55
15	Umpqua BankBank	Strong	Acceptable	Strong	Strong	Strong	$1,879Fees	0.400%Above	34
16	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$5,749Fees	0.437%Above	29
17	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,177Fees	0.420%Above	24
18	THE LOAN STORE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,608Fees	0.345%Above	21
19	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$3,362Fees	0.240%Below	21
20	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,602Fees	0.471%Above	16
21	KIND LENDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,797Fees	0.359%Above	13
22	EVERGREEN MONEYSOURCE MORTGAGE COMPANYIndependent Mortgage Company	Strong	Mediocre	Exceptional	Strong	Strong	$5,849Fees	0.476%Above	75
23	Sunflower Bank, National AssociationBank	Strong	Acceptable	Strong	Strong	Sound	$4,632Fees	0.362%Above	24
24	NEWREZ LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$4,027Fees	0.426%Above	23
25	NEW AMERICAN FUNDING, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	Sound	$3,802Fees	0.516%Above	13
26	Willamette Valley BankBank	Sound	Mediocre	Strong	Strong	Strong	$5,831Fees	0.312%Above	82
27	SUMMIT FUNDING, INC.Independent Mortgage Company	Sound	Mediocre	Exceptional	Strong	Sound	$5,781Fees	0.669%Above	15
28	Banner BankBank	Sound	Acceptable	Strong	Sound	Sound	$2,742Fees	0.007%Below	10
29	PACIFIC RESIDENTIAL MORTGAGE, LLCIndependent Mortgage Company	Sound	Mediocre	Strong	Strong	Sound	$6,652Fees	0.316%Above	11

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.